Motorcycle Insurance in Texas
What Motorcycle Insurance Is Required in Texas?
The state requires that drivers be able to prove financial responsibility for any accidents and this usually means purchasing liability insurance with an insurer such as Insurance Solutions of Texas. In order to meet the requirements, you must have $30,000 for bodily injury liability for each person and $60,000 per accident. You must also have $25,000 for property damage per accident. These are just the minimum amounts and there aren’t any maximum limits. It can be a good idea to get more coverage in order to stay protected. Texas helmet requirements aren’t affected by how much insurance you have. However, helmet laws can be affected by your health insurance policy.
The state statutes are also very specific about the definition of a motorcycle and similar vehicles. Motorcycles are operating on a maximum of three wheels. A moped is a motorized cycle that doesn’t operate faster than 30 MPH.
Different Types of Motorcycle Insurance in Texas
There are a number of different policies you can get in Sugar Land TX and Bellaire TX in order to stay protected. Collision and comprehensive coverage will protect your motorcycle if it is damaged by an accident or another non-collision event. Medical payments coverage can cover some of the injury risks that go along with motorcycles. This is helpful if you don’t have health insurance or your plan doesn’t cover anything. Optional equipment coverage can cover the optional touches you add to your bike to enhance the riding experience. Customized parts and equipment coverage can also give you protection. Trip interruption coverage can protect you if your motorcycle breaks down and you are away from home. This can include lodging, alternative transportation, and food expenses. Uninsured and underinsured motorist insurance can cover damages if you are in an accident with an uninsured driver or someone who doesn’t have the minimum insurance requirements. Towing and labor coverage will kick in if you need a tow.
Contact Insurance Solutions of Texas, serving Sugar Land, TX and Bellaire, TX, to get a quote on motorcycle insurance.